4212 Cap Chat StHephzibahGA30815
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4212 Cap Chat St, Hephzibah, GA, 30815 in Hephzibah. Priced at $135,000, it generates $1,401/mo in gross rent and $579/mo in net monthly cash flow, a 12.45% yield that comfortably supports the 2.31 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,952. Five-year appreciation: $37,298. Equity from principal paydown: $1,243/yr. Total projected cumulative return: $88,466.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 7.0% |
| Monthly Cash Flow | $579 | $350 |
City averages based on Hephzibah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,401 |
| Total Monthly Debt Service | $768 |
| DSCR Ratio | 1.82x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30815, Hephzibah, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,855 (100%) |
| Owner Occupied HU | 10,842 (68.4%) |
| Renter Occupied HU | 3,822 (24.1%) |
| Vacant Housing Units | 1,191 ( 7.5%) |
| Median Home Value | $222,576 |
| Average Home Value | $235,703 |
Housing Distribution
Address Breakdown
Residential
16,223
Single Family
16,109
Multi-Family
114
Businesses
445
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30815, Hephzibah, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,855 (100%) |
| Owner Occupied HU | 10,842 (68.4%) |
| Renter Occupied HU | 3,822 (24.1%) |
| Vacant Housing Units | 1,191 ( 7.5%) |
| Median Home Value | $222,576 |
| Average Home Value | $235,703 |
Housing Distribution
Address Breakdown
Residential
16,223
Single Family
16,109
Multi-Family
114
Businesses
445
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices